Zero: Debt Payoff Planner
Debt snowball & payoff plan
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
See everything you owe as one number, pick a snowball or avalanche plan, and watch your debt-free date get closer with every payment you check off.
Zero helps you pay off debt - one number, one step at a time.
No spreadsheets. No stress. Just a calm, clear plan to get to zero.
See everything you owe as a single number, with your real debt-free date. Then pick a proven payoff method and watch that date get closer every time you make a payment.
WHY ZERO
• One clear number - all your debts add up to a single balance and a real payoff date.
• A plan that works - choose Fast Wins (debt snowball) for momentum, or Less Interest (debt avalanche) to save the most money.
• Never miss a payment - gentle reminders before each due date, then one tap to mark it paid.
• Stay motivated - a progress ring, payment streaks, and milestone celebrations keep you going.
• See "what if" - move one slider to see how paying a little extra each month brings your debt-free date sooner.
BUILT FOR REAL LIFE
Student loans, credit cards, a car loan, or medical bills — Zero keeps it simple. Add what you owe in three quick fields and you're set.
PRIVATE BY DESIGN
Your numbers stay on your device. No bank logins, no accounts, no servers.
FREE TO GET DEBT-FREE
The core tools - tracking, reminders, and the snowball & avalanche plans — are free forever. Zero Plus is an optional one-time unlock for unlimited debts, home-screen widgets, custom reminders, and unlimited what-if calculations.
Start today. Get to zero.
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Ratings & Reviews
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The developer, APPCITY Limited Liability Company, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- APPCITY Limited Liability Company
- Size
- 1.9 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
English and 3 more
- English, French, German, Spanish
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Large Tip $9.99
- Medium Tip $4.99
- Small Tip $2.99
- Zero Plus $14.99
- Copyright
- © 2026 AppCity Studios